As of November 2026,
Credit Counselors has an AI-exposure score of 65/100
(High exposure) on the AI-Safe Careers index. This is an estimate of task
exposure, not a prediction of job loss.
Score inputs for this role:
This role starts from O*NET 31.0 occupational descriptors and is empirically grounded by Penn/OpenAI GPTs are GPTs study, Anthropic Economic Index (June 26, 2026), Felten, Raj and Seamans AIOE index. BLS labor-market figures are separate context, not score inputs.
Credit Counselors
More exposed than 80% of the roles we track. Median pay ~US$52,230. About 2,200 projected openings a year (BLS 2024–34 - growth plus replacement).
Pay & demand figures are US medians (BLS, in USD) - your local figures will differ. Your exposure score applies broadly.
Will AI replace Credit Counselors?
No exposure score can predict whether AI will replace this role. The 65/100 score means our current model estimates high task exposure from the sources listed on this page. It does not predict an employer decision, headcount, or an individual outcome. The task map below shows the work assessed and where human judgment remains important.
Early-career context (study ages 22-25)
This role's High score and automation-heavy task mix point in the same direction as the study's highest-exposure automation cohort. The measures are not identical, so the study result is context rather than a direct forecast for this role.
The November 2025 revision reports a 16% relative employment decline for workers ages 22-25 in the most AI-exposed U.S. occupations, after firm-level controls, relative to workers in less-exposed fields and more experienced workers in the same occupations.
Use the task map to identify durable work and the skills worth building early.
Stanford Digital Economy Lab, Canaries in the Coal Mine - November 2025 revision
This is group-level U.S. payroll evidence, not a personal forecast. The authors do not claim that AI alone caused the change, and this context does not alter the exposure score.
How this role compares to similar Business & Finance roles
What this role usually involves
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
Broad guidance for this preparation level; exact requirements vary by role and employer.
Source: O*NET 31.0 exact occupation - Credit Counselors, SOC 13-2071.00. Context describes the role; the AI-exposure score remains a separate task-exposure estimate.
Credit Counselors tasks, by AI exposure
- Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
- Prepare written documents to establish contracts with or communicate financial recommendations to clients.
- Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
- Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
- Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
- Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.
- Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
We analyzed all 20 Credit Counselors tasks - 10 automatable, 8 augmentable and 2 durable. The full task map - every task with exactly what to do about each - is in your Career Report.
Your report unlocks three concrete artifacts
Every task scored with what to automate, augment, or protect.
Related roles with exposure deltas, salary, demand, and reachability. Lower-exposure options appear only when the data supports them.
A keepable roadmap plus resume and LinkedIn repositioning.
Grounded in O*NET-linked or curated role data, with Penn, Anthropic Economic Index, and AIOE signals where matched. BLS labor-market context is separate - not generic advice.
Adjacent career paths
No evidence-backed lower-exposure match appears in this O*NET adjacency set. The adjacent paths below remain useful comparisons; the strongest resilience moves are task-level.
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
Your AI-Safe Career Report
Every task scored with what to do about it; adjacent paths with honest exposure deltas, salary, demand, and reachability; a skill-gap map; a 30/60/90-day roadmap; Agent Reality Check; plus a résumé and LinkedIn rewrite and professional PDF.
Grounded in O*NET-linked or curated role data, with Penn, Anthropic Economic Index, and AIOE signals where matched. BLS labor-market context is separate.
AI was the most-cited reason for announced U.S. job cuts in 2026 through September (21% of all cuts) - the workers who adapt earliest fare best. - Challenger, Gray & Christmas, 2026The upside: AI now appears in 7.3% of U.S. job postings on Indeed, up from 1.7% in January 2019 - the skills employers ask for are shifting, and adapting early pays. - Indeed Hiring Lab AI Tracker, 2026
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Credit Counselors - median pay by US state (BLS OEWS, USD)
Median annual wage, in USD. US national: US$52,230. More states are being added.